Can I get a credit card under my parents address

boo_star

beany_bot wrote: »

It is literally NOTHING to do with his parents. He is legally and financially an adult.
Whether they are happy or not has exactly 0% impact on this situation.

And as an adult his parents are no longer obliged to keep a roof over his head. Something the OP should be keeping in mind in case he's considering going in with guns blazing.

chattychappy

Whilst the OP lives with his parents, they can make stupid rules if they want to.

If the OP is not in a position to move out, then I suggest being open to their comments. Suggest getting the advice of the mortgage company and emphasise that you don't want to do anything which will hinder their plans.

nick74

chattychappy wrote: »

Suggest getting the advice of the mortgage company and emphasise that you don't want to do anything which will hinder their plans.

Unless the OP is financially associated with their parents in some way then the credit card will have absolutely no effect whatsoever on their parents mortgage application. Just living at the same address and being part of the same family does not create a financial association. It did used to many years ago, but not now.

boo_star

nick74 wrote: »

Unless the OP is financially associated with their parents in some way then the credit card will have absolutely no effect whatsoever on their parents mortgage application. Just living at the same address and being part of the same family does not create a financial association. It did used to many years ago, but not now.

I don't think they were suggesting that it does, just that if they get their parents to speak to the mortgage company that they'll be told "it won't have any effect" and will hopefully diffuse the situation.

Ben8282

The OP has not done anything wrong and is not obliged to tell his parents that he has applied for a credit card.
The threats of the parents to 'put in a fraud case' against the OP are rather strange and difficult to understand in the context of their other concerns. Why would they threaten to effectively criminalise their son? The threat is empty of course, unless the OP has provided false information in his application and they have found out about it.
It would appear that the parents are upset at not being told, which raises the question of did they have a reasonable expectation, in their minds, that their son would have discussed his intentions with them. The answer to that depends on how they operate as a family and what they usually discuss or do not discuss together. For example, if one of the parents was planning to get a credit card would the parent in question mention it, perhaps over dinner, and they would all talk about it and discuss it and offer their opinions and reach a joint family decision? If yes, perhaps in their minds they did have a reasonable expectation of being told.

SnowTiger

NathanJ99 wrote: »

They found out as I left my credit card on the side then world war 3 broke out, if I had the money to move out I would but and I also wouldn’t have a credit card with only £200 on it

If I were you, I'd suggest to my parents that they get copies of their credit reports so they can see for themselves that you are not listed on them. The reports are free and can be ordered online.

https://www.moneysavingexpert.com/loans/check-free-credit-report/

I'd also explain to them that building up a credit history is important for your financial future. One day you may want a mortgage and having an established good credit history will open doorways to better deals.

dealer_wins

Time to think about moving out if you ask me!